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With the draft of the “Communiqué on Remote Identification Methods to be Used by Banks” prepared by the Banking Regulation and Supervision Agency (BRSA), remote identification will be possible. The remote identification method with video calls is used in countries such as Germany, Spain, France and Estonia. The way to digitally identify yourself remotely was made possible with the amendment made to the law in June of this year.
DIGITAL
The draft of the statement open for opinion will take effect from January 1, 2021. With remote identification, customer registration and bank transactions can be carried out digitally without the need to go to the bank branch. In the method to be applied, the client will generally be identified by videoconference through an application, and will be provided to benefit from banking services. BRSA will be obliged to establish the level of security and confidentiality required in video calls. The video call will be made with encrypted secure communication. BRSA officials noted that work continues on identity documents that can be used for video call identification, document security features, and verification.
RISKS EVALUATION
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In the draft of the communiqué, the principles to be followed in the process of remote identification through video calls were determined. Accordingly, before remote identification is started, the request of the person will be received with a form and a risk assessment will be performed on the person using the data. The explicit consent of the person will be recorded, and the video call will take place in real time and without interruption. It will be ensured that the integrity and confidentiality of the audiovisual communication between the client’s representative and the person is at a sufficient level.
REMOTE IDENTIFICATION
The customer representative will ensure that the identity document is fully covered at the correct angle, with all security features visually distinguishable under white light, using individual images taken of the person’s movements, cropped and enlarged, and not there is no artifact that indicates tampering between the parts of the identity document.
THERE WILL BE DIFFERENT QUESTIONS
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With the help of consultations and psychological observations during the identification process, the client representative will conclude that the information on the identity document, the information provided by the person during the interview, and the stated intention are credible and sufficient. To do this, it will ask questions about the age of the person, as well as the date and place of birth on the identity document, for example, to verify the veracity of the photo on the identity card.
BIOMETRIC COMPARISON
Techniques will be used to detect the vitality of the person. A biometric comparison of the person’s face and the photo of the identity document will be made. The customer representative will ensure that the photo and personal information on the identity document used match the person. The consistency of the photo, the date of issue and the date of birth on the identity document will be checked.
